Iron Hill Mortgage
(615) 949-4780Call Iron Hill Mortgage at (615) 949-4780 Start a deal Book a call (opens in a new tab)

Welcome to Iron Hill Mortgage

Investor loans and home loans, in one place

We help real estate investors finance property nationwide, where our programs are available. We also help people buy, refinance or take cash out on a home they live in, in the states where we're licensed.

What brings you here today?

Home loans are offered where we're licensed. Business-purpose loans for investment property only. Not for personal, family or household use. Subject to approval. Equal Housing Opportunity.

Book a call (opens in a new tab) Text To Book

Call or text (615) 949-4780 · Answered 24/7 for booking

Booked calls are with a member of the Iron Hill team. Home loans are handled by a licensed loan officer.

  • Rentals qualified on the property's rent, on many programs
  • Close in your name or your LLC
  • Three partners who stay with the deal

Investor loans

Four ways to finance the deal

Pick the strategy that matches your plan for the property. Not sure yet? Start with the deal and we'll suggest one.

DSCR rental loans

Buy or refinance a rental, qualified on the property's rent instead of your personal income on many programs.

Learn more: DSCR rental loans

Fix and flip

Purchase and renovation financing, with rehab funds released in draws as the work gets done.

Learn more: Fix and flip

Bridge loans

Short-term financing for a purchase or refinance, then refinance or sell when the property is ready.

Learn more: Bridge loans

Ground-up construction

Spec homes, build-to-rent and infill projects, funded in draws at each milestone.

Learn more: Ground-up construction

Real estate agent or builder? See how we work with agents and builders, with loan updates at every milestone.

Investor loans

Have a deal in mind?

Send us the property and your plan, and get a straight answer on whether it fits and what it would take to move forward.

Business-purpose loans for investment property only. Not for personal, family or household use. Subject to approval. Equal Housing Opportunity.

Prefer to talk? Call or text (615) 949-4780 · Answered 24/7 for booking

Start a deal

Business-purpose loans only. No SSN or income needed here.

What kind of property is it?

Business-purpose loans for investment property only. Not for personal, family or household use. Subject to approval. Equal Housing Opportunity.

We use your details only to reply to your request. See our Privacy Policy, Privacy Notice and Terms. Prefer to talk? Call or text (615) 949-4780.

How an investor loan works with us

Six steps from first look to funding. You'll know what comes next at each one.

  1. Share the deal

    Tell us the property type, your strategy and your timeline. Use the form, text us or book a call.

    No SSN or income needed here.

  2. Fit check

    We review the property, the location, your experience and your exit plan, and tell you early if the deal isn't a fit or the program isn't available in that state.

    Usually a short call.

  3. Options in writing

    You get the program options for your deal in writing, so you can compare them before you commit to anything.

    Options aren't final until underwriting approves the loan.

  4. Application and documents

    You apply, authorize a credit check, and send the documents for your deal: entity papers, the contract, and the budget or rent details.

    We send one clear checklist.

  5. Valuation and underwriting

    The lender orders the appraisal or valuation, reviews title and insurance, and, for rehab or construction, reviews the budget and scope.

    We keep you updated at each milestone.

  6. Closing and funding

    You close with a title company, in your name or your entity's. For rehab and construction, funds are released in draws as work is completed.

    Then we can talk about your next deal.

Property types we finance

Non-owner-occupied investment property. Program availability depends on the property, the state and the deal.

  • Single-familyDetached homes and townhomes held as rentals or flips
  • 2 to 4 unitsDuplexes, triplexes and fourplexes
  • Small multifamilyFive units and up, on select programs
  • CondosWarrantable and some non-warrantable
  • Short-term rentalsWhere local rules allow them
  • Mixed-useResidential units over retail or office, on select programs
  • Lots and landFor ground-up construction projects
  • PortfoliosSeveral rentals under one loan, on select programs

What to have ready

You don't need all of this to start. It's what most deals end up needing.

About you

  • Entity documents if you're buying in an LLC: articles, operating agreement and EIN
  • A government-issued photo ID
  • Proof of funds for closing costs and reserves
  • Your track record: a simple list of past deals, if you have one

About the deal

  • The address, or the market you're shopping in
  • The purchase contract, or your current loan statement
  • Leases or a rent estimate for a rental
  • Scope of work and budget for a rehab or build
  • Your exit: hold, sell or refinance

Buying or refinancing a home you'll live in? We also offer conventional, FHA, VA, jumbo and bank statement loans. Home loans are offered only in states where Iron Hill Mortgage is licensed. Iron Hill Mortgage is a private company. We are not a government agency, and we are not endorsed by HUD, the FHA or the U.S. Department of Veterans Affairs. Check our licenses on NMLS Consumer Access (opens in a new tab). See home loans.

Common questions

What does Iron Hill Mortgage do?

We're a mortgage company. We finance real estate investors across the U.S. with DSCR rental loans, fix and flip, bridge and ground-up construction loans, and we offer home loans in the states where we're licensed.

Do you lend in every state?

Investor loans are available in many states, but not all. Rules for business-purpose lending differ from state to state, and some programs or property types aren't available everywhere. Tell us where the property is and we'll confirm early.

Can I use these loans for a home I'll live in?

No. These are business-purpose loans for non-owner-occupied investment property. For a home you'll live in, see our home loan options, offered where we're licensed.

Can I close in an LLC?

Most investor programs allow closing in an LLC or other entity. Have your entity documents ready. Many programs also require a personal guarantee.

Do you post rates on the site?

No. Pricing depends on the property, the deal, your experience and your credit. You'll get your options in writing for your actual deal.

Have a deal in front of you?

Send us the property, your strategy and your timeline. We'll tell you whether it fits and what we'd need to move forward.

Book a call (opens in a new tab) Start a deal

Call or text (615) 949-4780 · Answered 24/7 for booking

Booked calls are with a member of the Iron Hill team. Home loans are handled by a licensed loan officer.